Pennsylvania PIP Trivia

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A motor vehicle accident occurs in Pennsylvania. The injured party has a NC driver’s license and a NC registered vehicle with a NC insurance policy, but he or she now live in PA. Are they entitled to first party benefits under Pennsylvania Motor Vehicle Financial Responsibility Law (“MVFRL”)? The answer is no. Here’s why…

First Party Benefits, at a minimum, provide up to $5,000.00 of medical coverage for an injured insured. At the insured’s option they may also provide, wage loss and funeral benefits. First party benefits under Pennsylvania Motor Vehicle Financial Responsibility

Pursuant to Pugh, “there are two requirements for determining an insured’s entitlement to recover first party benefits: (1) the insured vehicle must be a vehicle of the type required to be registered, such as an automobile, and (2) the insured vehicle must actually be registered in the Commonwealth.” Since the insured vehicle in the instant case is not registered in Pennsylvania, the insurer is not obligated to pay first party benefits under MVFRL. Pugh v. Government Employees Ins. Co., 380 Pa. Super. 606, 610 (Pa. Super. Ct. 1989).

As an aside, PA law also requires one to register their vehicle within 20 days of moving to the state.

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